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Side-by-side financial comparison of MERCURY GENERAL CORP (MCY) and RENAISSANCERE HOLDINGS LTD (RNR). Click either name above to swap in a different company.
RENAISSANCERE HOLDINGS LTD is the larger business by last-quarter revenue ($2.2B vs $1.5B, roughly 1.4× MERCURY GENERAL CORP). RENAISSANCERE HOLDINGS LTD runs the higher net margin — 23.5% vs 13.2%, a 10.3% gap on every dollar of revenue. On growth, MERCURY GENERAL CORP posted the faster year-over-year revenue change (12.4% vs -36.8%). Over the past eight quarters, MERCURY GENERAL CORP's revenue compounded faster (9.8% CAGR vs -11.9%).
Mercury General Corporation is a multiple-line insurance organization that offers personal automobiles, homeowners, renters, and business insurance. Mercury's primary focus is automobiles and homeowners' insurance.
RenaissanceRe Holdings Ltd is a Bermudian provider of reinsurance, insurance and other related business services. The company operates in reinsurance, insurance and ventures.
MCY vs RNR — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $1.5B | $2.2B |
| Net Profit | $202.5M | $515.8M |
| Gross Margin | 99.7% | — |
| Operating Margin | 16.2% | — |
| Net Margin | 13.2% | 23.5% |
| Revenue YoY | 12.4% | -36.8% |
| Net Profit YoY | 100.4% | 72.6% |
| EPS (diluted) | $3.66 | $6.57 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | — | $2.2B | ||
| Q4 25 | $1.5B | $3.0B | ||
| Q3 25 | $1.6B | $3.2B | ||
| Q2 25 | $1.5B | $3.2B | ||
| Q1 25 | $1.4B | $3.5B | ||
| Q4 24 | $1.4B | $2.3B | ||
| Q3 24 | $1.5B | $4.0B | ||
| Q2 24 | $1.3B | $2.8B |
| Q1 26 | — | $515.8M | ||
| Q4 25 | $202.5M | $760.5M | ||
| Q3 25 | $280.4M | $916.5M | ||
| Q2 25 | $166.5M | $835.4M | ||
| Q1 25 | $-108.3M | $170.0M | ||
| Q4 24 | $101.1M | $-189.7M | ||
| Q3 24 | $230.9M | $1.2B | ||
| Q2 24 | $62.6M | $503.9M |
| Q1 26 | — | — | ||
| Q4 25 | 99.7% | — | ||
| Q3 25 | 99.8% | — | ||
| Q2 25 | 99.8% | — | ||
| Q1 25 | 99.7% | — | ||
| Q4 24 | 99.7% | — | ||
| Q3 24 | 99.8% | — | ||
| Q2 24 | 99.8% | — |
| Q1 26 | — | — | ||
| Q4 25 | 16.2% | 42.5% | ||
| Q3 25 | 22.1% | 46.3% | ||
| Q2 25 | 14.0% | 41.8% | ||
| Q1 25 | -10.2% | -2.0% | ||
| Q4 24 | 9.0% | -3.6% | ||
| Q3 24 | 18.8% | 43.7% | ||
| Q2 24 | 5.8% | 25.0% |
| Q1 26 | — | 23.5% | ||
| Q4 25 | 13.2% | 25.6% | ||
| Q3 25 | 17.7% | 28.7% | ||
| Q2 25 | 11.3% | 26.1% | ||
| Q1 25 | -7.8% | 4.9% | ||
| Q4 24 | 7.4% | -8.3% | ||
| Q3 24 | 15.1% | 29.8% | ||
| Q2 24 | 4.8% | 17.8% |
| Q1 26 | — | $6.57 | ||
| Q4 25 | $3.66 | $16.16 | ||
| Q3 25 | $5.06 | $19.40 | ||
| Q2 25 | $3.01 | $17.20 | ||
| Q1 25 | $-1.96 | $3.27 | ||
| Q4 24 | $1.82 | $-3.76 | ||
| Q3 24 | $4.17 | $22.62 | ||
| Q2 24 | $1.13 | $9.41 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $1.6B |
| Total DebtLower is stronger | $575.0M | — |
| Stockholders' EquityBook value | $2.4B | $4.3B |
| Total Assets | $9.6B | $53.7B |
| Debt / EquityLower = less leverage | 0.24× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $1.6B | ||
| Q4 25 | — | $1.7B | ||
| Q3 25 | — | $1.7B | ||
| Q2 25 | — | $1.4B | ||
| Q1 25 | — | $1.6B | ||
| Q4 24 | — | $1.7B | ||
| Q3 24 | — | $1.6B | ||
| Q2 24 | — | $1.6B |
| Q1 26 | — | — | ||
| Q4 25 | $575.0M | $2.3B | ||
| Q3 25 | — | $2.2B | ||
| Q2 25 | — | $2.3B | ||
| Q1 25 | — | $2.8B | ||
| Q4 24 | $575.0M | $1.9B | ||
| Q3 24 | — | $1.9B | ||
| Q2 24 | — | $2.0B |
| Q1 26 | — | $4.3B | ||
| Q4 25 | $2.4B | $11.6B | ||
| Q3 25 | $2.2B | $11.5B | ||
| Q2 25 | $2.0B | $10.8B | ||
| Q1 25 | $1.8B | $10.3B | ||
| Q4 24 | $1.9B | $10.6B | ||
| Q3 24 | $1.9B | $11.2B | ||
| Q2 24 | $1.6B | $10.2B |
| Q1 26 | — | $53.7B | ||
| Q4 25 | $9.6B | $53.8B | ||
| Q3 25 | $9.4B | $54.5B | ||
| Q2 25 | $9.1B | $54.7B | ||
| Q1 25 | $9.0B | $53.6B | ||
| Q4 24 | $8.3B | $50.7B | ||
| Q3 24 | $8.2B | $52.8B | ||
| Q2 24 | $7.7B | $51.6B |
| Q1 26 | — | — | ||
| Q4 25 | 0.24× | 0.20× | ||
| Q3 25 | — | 0.19× | ||
| Q2 25 | — | 0.21× | ||
| Q1 25 | — | 0.27× | ||
| Q4 24 | 0.30× | 0.18× | ||
| Q3 24 | — | 0.17× | ||
| Q2 24 | — | 0.19× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $287.9M | — |
| Free Cash FlowOCF − Capex | $273.9M | — |
| FCF MarginFCF / Revenue | 17.8% | — |
| Capex IntensityCapex / Revenue | 0.9% | — |
| Cash ConversionOCF / Net Profit | 1.42× | — |
| TTM Free Cash FlowTrailing 4 quarters | $1.0B | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $287.9M | $483.0M | ||
| Q3 25 | $496.4M | $1.6B | ||
| Q2 25 | $371.6M | $1.5B | ||
| Q1 25 | $-68.7M | $157.8M | ||
| Q4 24 | $248.3M | $778.9M | ||
| Q3 24 | $318.1M | $1.5B | ||
| Q2 24 | $278.0M | $1.2B |
| Q1 26 | — | — | ||
| Q4 25 | $273.9M | — | ||
| Q3 25 | $479.5M | — | ||
| Q2 25 | $357.2M | — | ||
| Q1 25 | $-81.9M | — | ||
| Q4 24 | $236.0M | — | ||
| Q3 24 | $306.2M | — | ||
| Q2 24 | $266.5M | — |
| Q1 26 | — | — | ||
| Q4 25 | 17.8% | — | ||
| Q3 25 | 30.3% | — | ||
| Q2 25 | 24.2% | — | ||
| Q1 25 | -5.9% | — | ||
| Q4 24 | 17.3% | — | ||
| Q3 24 | 20.0% | — | ||
| Q2 24 | 20.4% | — |
| Q1 26 | — | — | ||
| Q4 25 | 0.9% | — | ||
| Q3 25 | 1.1% | — | ||
| Q2 25 | 1.0% | — | ||
| Q1 25 | 0.9% | — | ||
| Q4 24 | 0.9% | — | ||
| Q3 24 | 0.8% | — | ||
| Q2 24 | 0.9% | — |
| Q1 26 | — | — | ||
| Q4 25 | 1.42× | 0.64× | ||
| Q3 25 | 1.77× | 1.73× | ||
| Q2 25 | 2.23× | 1.76× | ||
| Q1 25 | — | 0.93× | ||
| Q4 24 | 2.46× | — | ||
| Q3 24 | 1.38× | 1.26× | ||
| Q2 24 | 4.44× | 2.41× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
